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    Life Protection

    Term life

    eRefund101 Accident & COVID Insurance Plan(2-Year)

    Special offer

    Additional COVID-19 Benefit and Vaccination Death Benefit for free

    • Apply online to enjoy life, accidental and COVID-19 protection
    • Irrespective of any claims made, 101% of the total premium paid will be refunded upon maturity in 2 years
    • Accidental Medical Expense Benefit covers hospital confinement, outpatient, physiotherapy and so on, with up to 3 accident claims
    Apply now
    View details
    Terms and Conditions apply, please note the relevant product risks, eRefund101 Accident & COVID Insurance Plan(2-Year) is underwritten by Hang Seng Insurance Company Limited.

    eCancerPro Insurance Plan

    Special offer

    Additional COVID-19 Benefit and Vaccination Death Benefit for free

    • Eight levels of Sum Insured options with death/cancer protection up to age 80
    • Upon diagnosis of Carcinoma-in-situ or Early Stage Cancer, up to 2 times advanced benefit is payable
    • A child can share all the benefits with no additional underwriting and premium required
    Apply now
    View details
    Terms and conditions apply, please note the relevant product risks. eCancerPro Life Plan is underwritten by Hang Seng Insurance Company Limited.

    eFamilyPro Life Insurance Plan

    Special offer

    Additional COVID-19 Benefit and Vaccination Death Benefit for free

    • Nine levels of Sum Insured, from HKD500,000 to HKD8,000,000 to suit various family needs
    • Monthly premium is fixed for 10-year terms and will be adjusted every 10 years
    Apply now
    View details
    Terms and conditions apply, please note the relevant product risks. eFamilyPro Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited.

    Mortgage Life Protection Plan

    • Death benefit will be distributed to the beneficiary(ies) for repaying the mortgage
    • Fixed Premium with flexible policy term from 5 to 30 years
    • Enjoy a 15% premium discount for Joint Applicants
    View details
    Terms and conditions apply. Mortgage Life Protection Plan is underwritten by Hang Seng Insurance Company Limited.

    Whole life

    EmbraceLife Insurance Plan

    • Death Benefit of up to 150% of the Sum Assured of the basic plan
    • Non-guaranteed Terminal Dividend will be paid upon policy termination.
    • 3 choices of premium payment periods – 5 years, 10 years or 15 years
    View details
    EmbraceLife Insurance Plan is underwritten by Hang Seng Insurance Company Limited.

    CompanionLife Insurance Plan

    • Provides family protection throughout different life stages
    • Offers a non-guaranteed Special Dividend
    • Allows the policyholder to exercise the Policy Value Management Option after the first 20 policy years
    • Includes free Supplementary Benefits 
    View details
    CompanionLife Insurance Plan is underwritten by Hang Seng Insurance Company Limited.

    PhoenixLife Insurance Plan

    • Guaranteed whole life coverage with flexible arrangement on Death Benefit settlement
    • Policy Value Management Option can be exercised after the 10th Policy Year to lock in your potential returns
    • Allow designation of Contingent Owner and up to 3 times Change of Life Insured to fulfil the need of legacy planning
    View details
    PhoenixLife Insurance Plan is underwritten by Hang Seng Insurance Company Limited.

    Universal life

    Exquisite Universal Life Insurance Series

    • Range of payment terms - single premium, 2-year or 5-year terms, even additional unscheduled premium payments
    • Period of Guaranteed Crediting Interest Rate Lock
    • Change of Life Insured option for multi-generation planning
    View details
    Exquisite Universal Life Insurance Series are underwritten by Hang Seng Insurance Company Limited.

    Splendid Universal Life Insurance Plan

    • Range of payment terms - single premium, 2-year or 5-year terms, even Unscheduled Premium payments
    • Withdrawals and Policy Loans from policy account
    • Achieve Saving growth by Interest Crediting Account, 1-year New Money Crediting Rate or Loyalty Bonuses
    View details
    Splendid Universal Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited.

    Tools

    Online document submission

    You can submit the required supporting documents online with ease and convenience.
    Submit now

    Make a claim

    Claim procedures

    Find details on how to submit your claim and more.

    View details

    Download form

    You can find all the forms and documents here for our insurance products.

    View details

    Call us

    Life Insurance (Application)

    (852) 2198 7838
    Service hours:

    Mon to Fri: 9:00am to 5:30pm

    Sat: 9:00am to 1:00pm

    Closed on Sunday and Public Holidays

    Life Insurance (Policy Enquiry)

    (852) 2596 6262
    Service hours:

    Mon to Fri: 9:00am to 5:45pm

    Sat: 9:00am to 1:15pm

    Closed on Sunday and Public Holidays

    Need more help?

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    Footnote

    Other points to note

    1. Hang Seng Bank Limited shall have the right in accordance with the related guideline from regulators and relevant regulations to reject all insurance applications accepted retrospectively and to cease acting as agent of that policy accordingly.